What is a financial life coach?

We are professionals who help people develop a positive relationship with money and improve their financial situation. We can help people:

• gain clarity on their values including their thoughts and feelings about money

• gain clarity on their financial situation

• understand financial principals

• set goals and create a plan for their money

• develop money management and decision making skills

• develop good habits

• stay motivated.

How is my approach to money different?

Many financial coaches will have a black or white approach to money and insist that to be good with money you need to budget every dollar. Unfortunately, this doesn’t work for many people, and they can feel overwhelmed and discouraged. Ultimately, they stop making healthy changes in their financial life. I do not believe everyone needs to budget to build wealth. I believe it is possible to find a balanced approach of looking at cash flow from a higher level because I’ve successfully done this for over 25 years in my own life. I also believe in investing more time at the beginning of the coaching process into understanding your current relationship with money.

All phases of my coaching process are completed in a judgement free zone.

In phase 1, we gather a clear understanding of: your thoughts and feelings about money, your financial circumstances, and what financial concepts apply to your stage of your financial life.

In phase 2, we create a simple, yet powerful money plan. The plan is customized to your values, looks at cash flow from a high level, and lists specific strategies and tactics tailored to you. You participate in the decisions regarding what actions will serve you.

In phase 3, you implement the plan and we adjust it as we learn what works for you and what doesn’t. We continue to assess when to teach you new financial concepts as you progress through the stages of your personal financial journey.

Transform from working for your past to letting your money work for your future.

How? The answer is simple, but not easy. The 3 ingredients are summarized by MINT:

Money INvested over Time

The 3 ingredients:

1: Money is created by spending less than you make.

2: INvest your money into simple, low-cost, proven investments.

3: Give your investments Time to grow. TIME is the MOST POWERFUL INGREDIENT.

Do you feel like you have a great job with good income, but you are living paycheck to paycheck?

Do you have one or more children you would like to go to college, but can’t contemplate how to go about funding it?

Do you feel stressed because you know you ‘should’ have an emergency fund, but just can’t seem to save money each year?

Do you dream of buying a house, but can’t seem to find any way of making it a reality?

Do you feel overwhelmed when thinking or talking about money because there is so much information out there and you don’t know what to believe?

All of these struggles are absolutely normal and you deserve to move forward and feel confident about your financial decisions. I encourage you to avoid wasting precious energy blaming yourself for past decisions and to avoid wasting time (the most powerful ingredient). You deserve a guide on your financial journey.

Meet Lori Holden

I am a financial educator and financial life coach. My mission is to help others feel confident about their financial health by letting their MONEY WORK FOR THEM. After working in pharmaceutical research for over 20 years and managing quality assurance teams, I completed Dave Ramsey’s Master Financial Coach training. However, I realized my views on money differed in some areas because of my values and personal story. I’ve achieved financial success over 25 years without budgeting every dollar, and I want to empower as many people as possible to do the same! Wealth is possible with MINT: Money INvested over Time… and it all starts with being mindful about money.

I enjoy spending time going on walks in nature with my family, snuggling with our dog and cat, going to yoga classes, and daily meditation practice. I have a great appreciation for beauty in nature and am passionate about learning. I love to listen to books, and a multitude of podcasts on everything from personal finance, to parenting, physical health, coaching, and retirement.